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Old 08-03-2018, 01:35 PM   #21
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He already commented that his current insurance will not cover the new purchase.

I can almost guarantee that if you go into register it and don't have proof of insurance you will not get it registered.
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Old 08-03-2018, 01:40 PM   #22
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"Iowa's Motor Vehicle Financial Responsibility Law states that all drivers with cars registered in the state are expected to carry liability insurance with limits of at least 20/40/15. You do not need to provide proof of liability insurance when you register your car in Iowa."

https://www.valuepenguin.com/auto-in...a/requirements
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Old 08-03-2018, 01:59 PM   #23
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"Iowa's Motor Vehicle Financial Responsibility Law states that all drivers with cars registered in the state are expected to carry liability insurance with limits of at least 20/40/15. You do not need to provide proof of liability insurance when you register your car in Iowa."

https://www.valuepenguin.com/auto-in...a/requirements
There are going to be exceptions to every rule. While insurance is not required "when you register" you forgot to dd the next line:
"However, you should have it in place before you start operating on the road, as law enforcements may suspend your license or fine you when you fail to provide valid proof."

I see lots of uninsured registered vehicles there and no one knows unless you get pulled over, seems archaic. Here in Ga. if your insurance lapses, they notify state and they pull your license. The cops don't even ask for proof of insurance anymore as that info is all on the computer when they run your tag.
Pretty much every state has the "Financial Responsibility " clause. But you have to have an escrow account or bond in place.
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Old 08-03-2018, 05:14 PM   #24
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Quote:
Originally Posted by PNW_Steve View Post
"Iowa's Motor Vehicle Financial Responsibility Law states that all drivers with cars registered in the state are expected to carry liability insurance with limits of at least 20/40/15. You do not need to provide proof of liability insurance when you register your car in Iowa."

https://www.valuepenguin.com/auto-in...a/requirements
This i know...
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Old 08-03-2018, 05:17 PM   #25
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Also..its home, the previous owner still had it insured until midnight so he gave me his insurance card took my money and said happy trails..the next time it will be driven is to get it inspected to change title to RV. So im hoping ...hoping its a heckuva lot easier getting insurance then.
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Old 08-04-2018, 06:56 AM   #26
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I dont get it, why is insuring a bus such a hassle? State farm will insure a bus, but only if all of your policies are with state farm..i even found a place that insures dragsters and airplanes...but they wont insure a bus....ill even pay 6 months up front..lol
Mikey check out progressive commercial. Mine is with them and switched over all 4 personal as well. They gave me a year for 578 then it dropped to 475 this renewal in spite of my totalled pickup.
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Old 08-04-2018, 07:53 AM   #27
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Progressive insured your bus? Im with them through USAA and it was a big NOPE...
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Mikey check out progressive commercial. Mine is with them and switched over all 4 personal as well. They gave me a year for 578 then it dropped to 475 this renewal in spite of my totalled pickup.
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Old 08-04-2018, 07:54 AM   #28
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Progressive insured your bus? Im with them through USAA and it was a big NOPE...
Progressive commercial..i should have read that again..*more coffee*
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Old 08-04-2018, 07:57 AM   #29
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Progressive commercial..i should have read that again..*more coffee*
I'd go through a local agent vs trying to do it online.
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Old 08-04-2018, 04:54 PM   #30
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I'd go through a local agent vs trying to do it online.
Out of 33 local agents, only 1 had ever heard of a skoolie. The 1 that knew what it is can insure me as soon as its an RV.
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Old 08-04-2018, 05:04 PM   #31
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AIS they are out of California mine only cost me $600 a year. The use National General as the carrier.
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Old 08-04-2018, 09:12 PM   #32
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Out of 33 local agents, only 1 had ever heard of a skoolie. The 1 that knew what it is can insure me as soon as its an RV.
I've never used the term "skoolie", I just tell them its a bus.
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Old 08-05-2018, 07:53 AM   #33
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I've never used the term "skoolie", I just tell them its a bus.
I just used that term here..im having enough troubles, i dont need to complicate it any more.
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Old 08-08-2018, 06:22 PM   #34
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call National General for a liability only policy. And I have State Farm in VA with no other policies with them.
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Old 08-08-2018, 06:30 PM   #35
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Same, bus titled as truck, its a short dually, independent agent through progressivr, paid for the year.
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Old 08-08-2018, 06:46 PM   #36
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Try "Grange Insurance" ............. never had a problem with them doing a bus "motor home"........

Next is you should always check your states laws before you go buy something such as this bus............

Iowa has some sketchy laws on buses... not too bad on registering them as a Motor Home it seems....

But as far as operating them..............hmmmmmmmmm...

DID YOU READ---->

https://www.iowadot.gov/mvd/busasmotorhome.pdf

ALWAYS DO YOUR HOMEWORK FIRST.....not after the fact and you save yourself MUCHO STRESS and problems.

A lesson I learned a very long time ago that has saved me since many, many, many times.

Best of luck.


PS..... no hauling a bus full of drunken 1%ers in Iowa!!...Obey the law!!!!!
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Old 08-08-2018, 08:03 PM   #37
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I knew about the laws, not a big deal..wasnt prepared for the insurance BS.
Im starting to think its about the agent and if they want to help.
Not sure about hauling anyones drunken a$$ anywheres..lol..i think my idea of 1%er and yours are kinda different..
Quote:
Originally Posted by CH777 View Post
Try "Grange Insurance" ............. never had a problem with them doing a bus "motor home"........

Next is you should always check your states laws before you go buy something such as this bus............

Iowa has some sketchy laws on buses... not too bad on registering them as a Motor Home it seems....

But as far as operating them..............hmmmmmmmmm...

DID YOU READ---->

https://www.iowadot.gov/mvd/busasmotorhome.pdf

ALWAYS DO YOUR HOMEWORK FIRST.....not after the fact and you save yourself MUCHO STRESS and problems.

A lesson I learned a very long time ago that has saved me since many, many, many times.

Best of luck.


PS..... no hauling a bus full of drunken 1%ers in Iowa!!...Obey the law!!!!!
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Old 08-08-2018, 08:05 PM   #38
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Also..i dont stress over much.
Quote:
Originally Posted by CH777 View Post
Try "Grange Insurance" ............. never had a problem with them doing a bus "motor home"........

Next is you should always check your states laws before you go buy something such as this bus............

Iowa has some sketchy laws on buses... not too bad on registering them as a Motor Home it seems....

But as far as operating them..............hmmmmmmmmm...

DID YOU READ---->

https://www.iowadot.gov/mvd/busasmotorhome.pdf

ALWAYS DO YOUR HOMEWORK FIRST.....not after the fact and you save yourself MUCHO STRESS and problems.

A lesson I learned a very long time ago that has saved me since many, many, many times.

Best of luck.


PS..... no hauling a bus full of drunken 1%ers in Iowa!!...Obey the law!!!!!
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Old 08-08-2018, 08:23 PM   #39
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Also..i dont stress over much.

Best not to stress.

ps---- 1%er = outlaw bikers...

If you read the bus laws...they make a point to talk about bike clubs with buses and them and others not drinking in a bus in Iowa..........lol

Makes ya wonder what happened back in the day in Iowa that caused a special clause in the law for bikers in buses....

My imagination is causing me to grin over the many answers to this riddle.
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Old 08-08-2018, 10:02 PM   #40
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National General is what I have. Yes they wanted all vehicles.
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